JPS6244676B2 - - Google Patents

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention relates to an automatic deposit/withdrawal transaction device that is used in financial institutions such as banks, and is used to dispense banknotes in amounts requested by customers and to deposit banknotes by customers. .

(Conventional technology) The automatic deposit/withdrawal transaction device described above was introduced in September 1973.
As disclosed in "Oki Electric Research and Development" VOL. 45 No. 1, pages 17 to 30, published in May, the deposit and withdrawal department has a banknote dispensing machine and a deposit machine, and in the case of payment transactions, customers The banknotes of the specified denomination and amount are counted and dispensed from the banknote storage for each denomination and discharged into the bill receiving slot, and when the discharge is completed, the shutter of this receiving slot is opened so that the customer can take out the bills. In addition, in the case of a deposit transaction, the shutter of the bill insertion slot opens and the customer inserts the deposited bills into the bill insertion slot all at once.The deposited bills are conveyed one by one to the verification section, where the authenticity and denomination are verified. Bills that cannot be authenticated are returned to the bill return slot, and bills that are authenticated are stored in a safe.

As described above, the conventional automated teller machine is provided with a bill receiving slot, a bill insertion slot, and a bill return slot as entrances and exits through which bills are taken in and out of the machine. Therefore, the customer must use each of the banknote entrances and exits depending on the desired transaction.

On the other hand, Japanese Patent Application Laid-Open No. 116097/1983 discloses a currency dispensing machine in which a pocket portion having an open opening on one side is formed in a cylindrical rotating body, and cash to be dispensed is stored in the pocket portion and received by the customer. . When paying cash to a customer, this currency dispensing machine first rotates the rotating body to a first position where the opening of the pocket is close to the exit of the cash feeding mechanism, and the cash is stored in the pocket. Then, the rotating body is rotated to a second position where the opening faces toward the customer, and the customer takes out cash through the opening of the rotating body in the second position. ing.
When the customer withdraws the cash after the cash is stored in the pocket from the feeding mechanism, the rotating body rotates to a third position in which the opening faces downward, and the collecting mechanism is removed from the pocket. The structure is such that cash is released to

(Problems to be solved by the invention) By the way, the above-mentioned conventional automatic deposit/withdrawal transaction device has three problems.
It has bill entrances and exits, each with a "bill receiving slot",
Although the bill insertion slot and bill return slot are clearly marked, it is troublesome for inexperienced customers to see three slots lined up, and they are unsure which slot to insert bills into. It was difficult to judge whether banknotes would come out of the machine or not, which tended to make customers feel uneasy.

In addition, although the deposited banknotes are verified only once in this automatic deposit/withdrawal transaction device, some of the returned banknotes that were not recognized as genuine had two overlapping bills when they were conveyed to the verification department, There may be banknotes that are not considered genuine due to the fact that the banknotes are continuous with no gaps, and returning these banknotes will cause the customer to lose confidence in the device and will require the hassle of re-depositing these banknotes. There was a problem with customer service because the customer had to call the customer.

On the other hand, the currency dispensing machine disclosed in the above-mentioned patent application publication is a payment-only device that only has the function of dispensing cash to a customer, and has a depositing and returning function of receiving banknotes deposited by the customer and returning a part of them. There is no mention of this, and therefore there is no disclosure or suggestion of any clues to solving the problems of the conventional automated teller machine.

Therefore, in order to improve customer service in an automatic deposit/withdrawal transaction device, the present invention is designed to enable the dispensing of banknotes during payment transactions, the insertion of banknotes during deposit transactions, and the return of rejected banknotes using a single banknote entrance/exit. The purpose is to reduce the number of banknotes returned to customers in the case of deposit transactions.

(Means for Solving the Problems) In order to achieve the above object, the present invention distinguishes the banknotes deposited by the customer and accepts the banknotes that are considered to be genuine, and the other banknotes are re-identified and are still considered to be genuine. An automated teller machine that is equipped with a deposit/withdrawal mechanism that returns banknotes and dispenses banknotes in an amount specified by the customer, and that deposits, returns, and withdraws banknotes through a single customer service door, with open ports on both sides. A rotary drum having a slot-shaped banknote inlet/outlet section and a feeding means for sending out banknotes from the bill inlet/outlet section is installed in a customer service opening formed by opening a part of the device facing the customer side, and At least an entrance for a deposit mechanism that sends deposited banknotes to the discrimination section and an exit for a withdrawal mechanism for disbursed banknotes and returned banknotes are arranged around the inside of the drum, and the system is arranged in accordance with the type of transaction and each stage of the deposit/withdrawal operation. Accordingly, the rotary drum is rotated so that the bill inlet/output section faces the customer service opening, the entrance of the depositing mechanism, the exit of the dispensing mechanism, or another location, and bills are received in the bill in/out section; The bill is then sent out and transferred to a selected location.

(Function) In the present invention, the banknote in/out section of the rotating drum serves as the only entrance/exit for customers to insert and receive banknotes. In a normal state where no transaction is being performed, the rotating drum is stopped with one opening of the banknote inlet/outlet facing the customer service opening. For example, when a deposit transaction is started, a shutter of a customer service opening is opened, and a customer inserts a banknote into the banknote input/output section through the opening. When a predetermined period of time has elapsed after the banknotes were inserted, the shutter closes and the rotary drum rotates to a position where the other open opening of the banknote inlet/outlet section faces the entrance of the deposit mechanism. Next, the banknotes in the banknote inlet/output section are fed into the deposit mechanism by the rotating drum feeding means. The depositing mechanism distinguishes the banknotes inserted by the customer, and if there are any banknotes that cannot be determined to be genuine, the rotary drum rotates to a position where one of the openings faces the exit of the dispensing mechanism for returning banknotes, and the returned banknotes are taken in and out. After the banknotes are received in the bank, the opening is rotated again to a position facing the customer service port, and when the shutter of the customer service port is opened, the customer can receive the returned banknotes.

In the case of a payment transaction, the rotary drum rotates to a position in which the one opening is directed toward the exit of the dispensing mechanism for dispensing bills, and after receiving the dispensing bills, the opening is directed toward the customer service port in the same manner as in the case of returning bills. Rotate into position to allow the customer to receive the bill.

Further, the banknote in/out section of the rotary drum serves as a circulation path for sending banknotes that are not determined to be genuine to the validation section of the deposit mechanism again. If there is a banknote that is not determined to be genuine among the customer's input banknotes, the rotary drum rotates to a position where one of the openings faces the exit of the return banknote dispensing mechanism as described above, and receives the banknote. Rotate the other opening to a position pointing toward the entrance of the depositing mechanism. Then, the received banknotes are sent to the deposit mechanism again and are discriminated again. As a result, banknotes that were not determined to be genuine among the banknotes input by the customer, particularly those that were not determined to be genuine due to transport abnormalities or the like at the time of initial verification, are accepted.

(Embodiment) FIG. 1 is a schematic configuration diagram showing an embodiment of an input/output automated transaction device according to the present invention. In the same figure,
1 is provided at a customer service opening where customers insert or receive banknotes, and both ends are open openings, one of which is used as a deposit/withdrawal opening 1.
A customer service drum has a slot 31 and is rotatably supported; 2 a shutter for opening and closing the deposit/withdrawal port 1a of the customer service drum 1; 3 a shutter for opening and closing the deposit/withdrawal port 1a of the customer service drum 1; 4 is a discrimination unit that determines the authenticity of the banknotes sent from the single-sheet separation unit 3; 5 is a banknote that is determined to be fake as a result of the determination by the discrimination unit 4; 7 is a temporary temporary storage section for storing banknotes judged to be genuine by the discrimination section 4 through a passageway 8, and 9 is a payment section for storing banknotes for payment. A cash box 10 is a passage for sending the payment banknotes to the real temporary storage unit 7; 11 is a deposit cash box 13 for storing the deposited banknotes that have been deposited and stored in the real temporary storage unit 7 through a passage 12; 14 is a passageway for sending the counterfeit banknotes temporarily stored in the counterfeit temporary storage section 5 to the customer service drum 1;
15 is a passageway for sending banknotes to the customer service drum 1 in order to return the banknotes temporarily stored in the genuine temporary storage section 7 and the banknotes temporarily stored in the counterfeit temporary storage section, and 15 stores banknotes that are removed during the withdrawal operation The reject storage box 16 is a passage connecting the reject storage box 15 and the customer service drum 1, and the numeral 17 is a holding box for storing banknotes left by the customer through the passage 18 in the customer service drum 1.

Next, the operation of the automatic deposit/withdrawal transaction device having the above configuration will be explained.

First of all, (A) Regarding the deposit operation, normally, customer service drum 1
The deposit/withdrawal port 1a is closed by a shutter 2 as shown in FIG. 2a. Therefore, when the customer presses a deposit button (not shown), the shutter 2 is transferred to the second
It moves as shown in Figure b, and the deposit/withdrawal port 1a opens.
Therefore, the customer inserts the banknotes to be deposited into the deposit/withdrawal port 1a all at once. Next, when the customer presses a start button (not shown), the shutter 2 moves and the deposit/withdrawal port 1a closes as shown in FIG. 2a.
Then, the customer service drum 1 rotates from the position shown in FIG. 3a to the position shown in FIG. 3b and stops. Next, the deposited banknotes are sent in batches from the customer service drum 1 to the one-sheet separating section 3. Next, the one-sheet separating section 3 sends the banknotes one by one to the discriminating section 4. This discrimination section 4 recognizes the deposited banknotes as 1
Identifies each piece and determines its authenticity. The deposited banknotes determined to be true by the discrimination section 4 are stored in the genuine temporary storage section 7 through the passage 8, and the deposited banknotes determined to be fake are stored in the counterfeit temporary storage section 5 through the passage 6. When all the deposited banknotes have been verified, the customer service drum 1 rotates to the state shown in FIG. 3c. Then, the deposited banknotes stored in the counterfeit temporary storage section 5 are returned to the customer service drum 1 via passages 13 and 14.
The money can be deposited at the deposit exit 1a. In this case, since the shutter 2 closes the deposit/withdrawal port 1a as shown in FIG. 2a, the deposited banknotes will not fly out. Then, this deposited banknote is transferred to the customer service drum 1 in the third place.
After rotating to the position shown in Figure b, in the same manner as described above, the path of the customer service drum 1 - single sheet separation section 3 - discrimination section 11 - passage 6 - counterfeit temporary storage section 5 is circulated a predetermined number of times to repeat the discrimination of deposited banknotes. . As a result, the deposited banknotes that cannot be determined to be genuine are stored in the temporary counterfeit storage section 5, so they are put into the deposit/withdrawal port 1a of the customer service drum 1 in the state shown in FIG. 3c via the passage 13. and,
By opening the shutter 2, the deposited banknotes that cannot be determined to be genuine are returned to the customer. Thereafter, the deposited banknotes stored in the temporary storage section 7 are stored in the deposit cash box 11 via the passage 12 when the customer presses the confirmation instruction button. Further, when the customer presses the cancel button, the deposited banknotes are sent through the passage 14 to the deposit/withdrawal port 1a of the customer service drum 1, the shutter 2 is opened, and all are returned to the customer.

In addition, the deposited banknotes that the customer forgot to take into the deposit/withdrawal slot 1a at the time of return are transferred to the third customer service drum 1 by time monitoring.
After being rotated to the state shown in FIG. d, it is stored in the receiving holding box 17 via the passage 18.

Next, the payment operation will be explained. First, when the customer inputs the amount to be paid using a keyboard (not shown), the payment cash box 9 operates and takes out the desired banknotes one by one. Temporary storage section 7
will be stored in. When the total amount of bills taken out reaches the specified payment amount, the stored payment bills are transferred from the real temporary storage section 7 to the passage 1.
4 and is stored in the deposit/withdrawal port 1a of the customer service drum 1. Then, by opening the shutter 2, the customer can pay.

In addition, when a counting error occurs during operation of the payment cash box 9, the payment banknotes including the banknotes with the counting error are temporarily stored in the deposit/withdrawal port 1a of the customer service drum 1 through the passage 14 from the real temporary storage section 7. Thereafter, the customer service drum 1 is rotated as shown in FIG. 3e, and then stored in the reject storage box 15 through the passage 16. In addition, if the customer forgets to take out the banknotes that should be handed over, the customer closes the shutter 2 after monitoring the time and removes the customer service drum 1 as shown in Fig. 3d.
Rotate as shown. For this reason, the banknotes that have been left behind are stored in the receiving holding box 17 through the passage 18.

Next, FIG. 4 is a side view showing the structure of the customer service drum of FIG. 1. 19 is a support shaft that rotatably supports the customer service drum 1; 20 is a side wall 21 of the customer service drum 1;
The permanent magnets 22a to 22e fixed to the customer service drum 1 are rotated by a drive source (not shown), and the permanent magnets 20 close the customer service drum 1 as shown in FIGS. 3a to 3e. The reed switches 23a and 23b detecting the respective positions of the shafts 24a and 23b are rotatably supported on the side wall 21 of the customer service drum 1.
Gears 25a and 4b are in mesh with each other and rotatably supported by shafts 23a and 23b, respectively.
and 25b are arms 26a and 26 rotatably supported on shafts 23a and 23b, respectively.
b is a pulley that is integrally attached to gears 24a and 24b, respectively. 27a and 27b are rotatably supported shafts at the other ends of the arms 25a and 25b, and 28a and 28b are fixed to the shafts 27a and 27b, respectively, for feeding bills inserted into the deposit/withdrawal port 1a. With roller, slot 3
Openings provided on the bottom and top surfaces of 1 (not shown)
It is possible to enter and exit the slot 31 through the slot. 29
a and 29b are fixed to shafts 27a and 27b, respectively, and rotate pulleys 30a and 30.
Reference numeral b denotes a belt that is hung between the pulleys 26a and 29a and between the pulleys 26a and 29b, respectively. The slot 31 has open openings at both ends facing the outer periphery of the customer service drum 1, and has a capacity that can accommodate a predetermined amount of banknotes at once, and one open opening, the deposit/withdrawal port 1a, allows bills to be taken in and taken out. It is spread further outward for ease.

Next, the operation of the above configuration will be explained.
First, when the customer service drum 1 is rotated around the support shaft 19 by a drive source (not shown), the reed switches 22a to 22e are sequentially closed by the permanent magnet 20. is detected and the rotation of the customer service drum 1 is stopped. Next, when sending out the banknotes inserted into the deposit/withdrawal port 1a of the customer service drum 1, when the shaft 23a is rotated by a drive source (not shown), the gear 24a and the pulley 26
a rotates. Therefore, the pulley 29a and the feed roller 28a rotate via the belt 25a, while the feed roller 28 rotates via the pulley 23b, belt 25b, and pulley 29 due to the rotation of the gear 24b.
a rotates. At this time, a cam mechanism (not shown) provided on the flange of the customer service drum 1 causes the arm 28a to
and 25b are moved toward each other, the banknotes are held between the feeding rollers 28a and 28b, and the rotation of these rollers sends the banknotes out of the customer service drum 1 through the deposit/withdrawal port 1a.

The rotational position of the customer service drum 1 is detected by the above-mentioned reed switches 22a to 22e, but when and to which position it rotates depends on the type of transaction being executed at that time, ie, payment transaction or deposit transaction, and the above-mentioned The control is controlled according to the stage of the operation sequence of each transaction at that time.

(Effects of the Invention) As described above, the present invention includes forming a slot-shaped banknote ejection/removal section with open openings on both sides in a rotating drum, and also providing a feeding mechanism on this rotating drum for feeding out banknotes from the slot/removal section. Around this rotating drum, at least a customer service port through which customers insert and receive banknotes, an entrance of a deposit mechanism that sends deposited banknotes to a validation section, and an exit of a dispensing mechanism for dispensing banknotes and returned banknotes are arranged, Since the rotary drum is selectively rotated according to the type of transaction and the stage of operation, the opening of the banknote inlet/outlet section is positioned at each of the entrances and exits, so that bills can be accepted from each of the exits simply by rotating the rotary drum. banknotes can be transferred to each of the above-mentioned entrances. That is, by being a rotating drum, the banknote inlet/outlet section can assume various angular positions, and as a result, the banknotes can be easily turned in various angular directions. As the rotary drum rotates, the banknote inlet/outlet section is configured to provide, for example, a withdrawal exit and a customer service port, an entrance to a deposit mechanism, a conveyance path to a reject storage box, a customer service port and a deposit mechanism entrance, and a holding box for receiving. It also serves as a conveyance path for banknotes that connects the two. This system combines the roles of multiple blades that change the direction of banknotes from one conveyance path to another, and the role of a connecting conveyance path that transfers banknotes from one place to another using a single rotating drum. This means that it is playing a role.

Therefore, even if the automated teller machine has only one banknote inlet/outlet, it is difficult to lengthen the banknote conveyance path,
There is no need for a complicated arrangement, and there is no need to install many direction changing means such as blades. Therefore, the bill conveyance mechanism of the device is not complicated, and accidents such as bill jamming during conveyance are less likely to occur, and the safety and reliability of the device can be maintained. Since customers now have a single banknote insertion and receipt slot, they no longer have to worry about making deposits or withdrawals, and can perform transactions with peace of mind.

Furthermore, as a result of having the above configuration, banknotes that have been rejected among the deposited banknotes can be sent to the discrimination section again via the bill inlet/output section of the rotating drum, so that the conveyance state when passing through the discrimination section happens to be Banknotes that have been rejected due to poor quality can be re-identified, which has the effect of improving the acceptance rate of deposited banknotes. This increases the customer's confidence in the device, promotes the use of the automated teller machine, and saves the customer the trouble of re-inserting the rejected banknotes into the device and redoing the deposit operation.

[Brief explanation of the drawing]

FIG. 1 is a schematic configuration diagram showing an embodiment of the automatic deposit/withdrawal transaction device according to the present invention, and FIGS. 2(a) and 2(b) show the relationship between the deposit/withdrawal port of the customer service drum in FIG. 1 and the shutter. The side views, FIGS. 3a to 3e, and 4 are diagrams for showing the operation of the customer service drum of FIG. 1. 1...Customer service drum, 1a...Deposit/withdrawal port, 2...
Shutter, 3... Single sheet separation section, 4... Recognition section, 5
... Fake temporary storage section, 6 ... Passageway, 7 ... True temporary storage section, 8 ... Passageway, 9 ... Cash box for payment,
10...Aisle, 11...Cash box for deposit, 12,1
3 and 14...Aisle, 15...Reject storage box, 16...Aisle, 17...Intake holding box,
18... Passage, 19... Support shaft, 20... Permanent magnet, 21... Side wall, 22a to 22e... Reed switch, 23a and 23b... Shaft, 24a and 24b... Gear, 25a and 25b... Arm , 26a and 26b...Pulley, 27a and 27b...Shaft, 28a and 28b...Feed roller, 29a and 29b...Pulley, 30a
and 30b...belt, 31...slot.

Claims (1)

[Scope of Claims] 1. The banknotes deposited by the customer are verified and the banknotes that are deemed to be genuine are accepted, the other banknotes are verified again and the banknotes that are still not considered to be genuine are returned, and the banknotes of the amount specified by the customer are accepted. An automatic deposit/withdrawal transaction device that is equipped with a deposit/withdrawal mechanism for dispensing banknotes, and that deposits, returns, and withdraws banknotes at a single customer service opening, which has a slot-shaped banknote inlet/output section with open openings on both sides, and which deposits, returns, and withdraws bills. A rotary drum equipped with a sending means for sending out banknotes from the inlet/outlet section is provided at a customer service opening which is partially open facing the customer side of the apparatus, and a part of the rotary drum on the inside of the apparatus is provided with at least a part for distinguishing deposited banknotes. An entrance of a depositing mechanism for sending banknotes into the banknotes, and an exit of a dispensing mechanism for expanding banknotes and returned banknotes are arranged, and depending on the type of transaction and each stage of depositing/withdrawing operations, the banknote loading/unloading unit is located at the customer service opening or the banknote withdrawal unit. Rotating the rotary drum so as to face the entrance of the depositing mechanism, the exit of the dispensing mechanism, or other location, and receiving and discharging banknotes into the banknote input/output section;
An automated deposit/withdrawal transaction device that transfers banknotes to a selected location.